About Harmony Smith

Harmony Smith blogs at CreatingMyKaleidoscope.com. She is a working mom of five who is fighting to pay off debt, so she can escape from her 9-5 job, and spend more time with her family. Harmony blogs about saving money, increasing her income with side hustles, DIY projects, and other adventures.

Discover the Online Stock Broker with an Award-Winning History [Ally Invest Review]

Trading stocks online for the first time can be a scary venture, especially if you’re not familiar with what an online stock broker can offer. Using a reputable company with a good track record should give you some peace of mind. TradeKing was one of the top online stock trading providers until the company was acquired by Ally Financial in 2016. Since then, Ally Invest (as it's been re-branded) has continued to offer a variety of … [Read more...]

Investing Guidance from a Trusted Name [Ally Invest Managed Portfolios Review]

Are you comfortable managing your own investments or do you prefer a professional do everything for you? As a fairly inexperienced investor, I’m not confident about making investment decisions all on my own. At the same time, it can be scary to place complete trust in someone else to manage all of my hard-earned money. Especially with the typical requirement that you invest a significant amount in order to benefit from the guidance of an account … [Read more...]

10 Ways to Save Money While Shopping at Whole Foods

Frugal shoppers may think they can't keep food cost low and enjoy the health benefits of organic food. Whole Food Markets is known for its organic selections and carries some fairly expensive, higher-end products. It's no wonder why many choose to shop elsewhere, but they are missing out. By following a few simple tricks, you can score big deals and save money while shopping at Whole Foods. 1. Bring Your Own Bags Before leaving home make sure to grab some of … [Read more...]

6 Important Reasons to Avoid Store Credit Cards

One of my very first jobs was selling retail at a store in the mall. Working usually helps your finances, but that job was one of the causes of my issues with debt. It's hard to resist buying new things when you spend the workday surrounded by advertising and sales displays. Self-control becomes even more difficult when you can be instantly approved for a store credit card. I could only give my spiel about the "benefits" of our card so many times before signing up … [Read more...]

5 Best Online Training Sites to Get an Education and Grow [Video]

The internet continues to offer new and expanded opportunities for people all over the world. Over the past decade, there have been many advances that allow us to use the internet to become better educated. There are a number a platforms, often referred to as massive open online courses, that allow users to learn new things, without the typical time restraints or cost of more traditional educational options. Users can often access … [Read more...]

7 Solid Online Alternatives to Paying Hefty Cable Bills

When people are looking for ways to save money, one of the first suggestions they usually come across is to “cut cable.” The cost of traditional cable or satellite television continues to rise. Eliminating this monthly bill can have a considerable impact on your finances. However, you will probably still want to enjoy watching some of your favorite entertaining programs. Fortunately, there are many options available to help you save money while still being able to watch … [Read more...]

5 Savvy Tips for Saving Money on Your Next Trip to Costco or Sams

Warehouse stores have been around for years and have become a weekly shopping excursion for many suburban families. According to Wikipedia, 1983 marked the opening of Costco Wholesale and Kmart's Pace Membership Warehouse (later sold to Sam's Club). They certainly can be an attractive way for families to shop and save money. Why do you shop there?  Yes, you know you do.  It's because you can buy large wholesale quantities at a cheaper price which ultimately keeps more … [Read more...]